A guide to report online fraud

Here’s a step-by-step guide to report an online fraud.
A guide to report online fraud
3 min
18-October-2024

With the rise of digital technologies, online fraud has become more common, making it essential to stay aware of how to protect yourself. Whether it's phishing, identity theft, or credit card fraud, knowing how to report fraud effectively can save you from financial loss. Here’s an updated guide on what you need to know about online fraud and how to take action.

What is online fraud?

Online fraud refers to criminal activities carried out using the internet, including phishing, hacking, credit card fraud, identity theft, and more. In India, online fraud cases have increased as more people use digital banking and make payments online. These scams can lead to loss of personal information, money, or both.

Common types of online fraud in India include

  • Phishing: Fake emails or messages designed to steal your information.
  • Vishing: Fraudulent phone calls pretending to be from a trusted source.
  • Account Hacking: Unauthorized access to your online accounts.
  • Identity Theft: Using someone else’s personal information for fraud.

If you’ve been a victim of online fraud, follow these steps to report the issue and protect your finances.

Step 1: Call Customer Care to block your cards
Your first step is to immediately call your bank or credit card company to block your debit or credit cards. Highlight the fraudulent transactions and notify customer care so that no further damage is done. This step ensures you secure your account before proceeding with a formal complaint.

Step 2: Collect all fraud-related information
Before filing a formal complaint, gather all necessary evidence:

  • Bank statements for the past six months.
  • Any fraudulent SMS messages or suspicious links you clicked.
  • Screenshots of malicious apps or websites.
  • Your personal details like ID and address proof.

Having these documents ready will streamline the complaint process and strengthen your case.

Step 3: File a Complaint with the Cybercrime Cell (Online or Offline)
You can register a complaint with the cybercrime cell either online or offline. The Cybercrime Helpline Number has been updated to 1930, available from 9:00 a.m. to 6:00 p.m. on business days. Alternatively, file an online complaint by visiting cybercrime.gov.in.

New government initiative: reporting suspicious calls

In addition to reporting online fraud, the Indian government has launched an initiative for reporting suspicious calls that could be scams. If you receive a fraudulent or suspicious call, follow these steps:

  • Visit the Sanchar Saathi Website: Go to sancharsaathi.gov.in.
  • Select Chakshu Portal: Navigate to the Citizen Centric Services section and select the "Chakshu" option to report suspicious calls or activities. This platform makes it easier for citizens to protect themselves from unsolicited trading calls and other fraudulent schemes.

Step 4: Register a Cybercrime FIR at your local police station
If you're unable to access any cybercrime cell, you can also go to your nearest police station to file an FIR (First Information Report). As per Section 154 of the Code of Criminal Procedure, every police officer is required to register and record your complaint, regardless of their jurisdiction.

A few things to keep in mind

Your complaint letter should be addressed to the head of the cybercrime cell.
Personal details such as your name, contact information, and email ID must be clearly stated.
You must provide evidence of the fraud, including screenshots and supporting documents.
RBI Guidelines: If the fraud is due to third-party involvement (e.g., malware, public Wi-Fi scams), you must report the issue within 72 hours to avoid financial liability.

Inform your bank as soon as you notice fraudulent activity. The quicker you act, the less damage will be done.

If the fraud is related to financial institutions like Bajaj Finance or similar lenders, follow the same reporting procedure by notifying your bank or visiting their website for assistance.

Key takeaways

  • Updated Cybercrime Helpline Number: 1930.
  • Report Suspicious Calls: Use the Chakshu Portal via Sanchar Saathi.
  • File Your Complaint: Visit cybercrime.gov.in for online reporting.

#BanoCyberSmart always have your validating documents ready to substantiate your claim and protect yourself from online fraud.

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

Disclaimer

While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. In case any inconsistencies observed, please click on reach us.

*Terms and conditions apply